 We also need to carve out and make sure that you're going to have money left over. So it doesn't matter where you're at. If you're ultra conservative, you budget everything out, let's budget out some fun money. If you don't budget at all, that could be more like me. I set aside mine before I get the money. So I am budgeting, just I'm putting it over there before I see the funds. Each person is very different. Here's the great thing, Mark.